How to handle a car accident in Dallas, TX

What To Do If You Get Into a Car Accident

How to handle a car accident in Dallas, TXBeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit-and-run, this information will aid police in locating the driver. In the event of a hit-and-run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation. For questions about your auto insurance, contact Insurance Source of Dallas.

Motorcycle Insurance Dallas, Texas

What Every Motorcycle Rider Should Know

Motorcycle Insurance Dallas, TexasThe key to staying safe riding your motorcycle is to be prepared and understand how to avoid risks. Motorcyclists are at a higher risk being on the road compared to a vehicle. Keep these things in mind to dramatically lower your risk for injury.

Refine Your Skills

If you’re new to riding, look to take a riding course from the Motorcycle Safety Foundation in your area. This class can teach you the basics. Or, if you’re an experienced rider, you can learn more advanced techniques.

Practice Makes Progress

After taking a Motorcycle Safety riding course, be sure to get out there and ride! Racking up miles will help you become a better rider. Set a short term goal of riding 1,000 miles before a specific date.

Wear the Right Clothing & Footwear

Especially if you’re new to riding, you need to wear the proper attire in case you go down. Look to buy leather or textile protective gear (jacket, pants, gloves). It helps when your clothing is breathable when you’re riding in the hot summer days.

Shoes with good traction are essential to staying safe on the road. A non-slip bottom boot or shoe is ideal. They should also be over-the-ankle to give extra protection.

Ride More Defensive Than You Drive a Car

Many drivers don’t see motorcycles or simply make judgement errors because of your size. Be sure to pay more attention to your surroundings when you’re riding. Pay attention to everything including street corners and intersections, but also parking lots, alleys and anywhere where a vehicle is trying to enter into moving traffic. Also, look far ahead when you’re riding. For example, say a car is pulled over or construction is coming up. Sure, you may see it, but does the car next to you? Lastly, avoid the blind spot of all cars. Ride up ahead of them or far enough before in case they need to suddenly switch lanes.

Besides being aware of your surroundings, it’s important to look for pot holes or bumps in the road. While a car can handle these without a problem, being on a motorcycle is a different story. If you can’t avoid them, slow down as much as you can.

Do a Quick Inspection

Before hopping on your bike, be sure to check a few areas. Check the chain, belt, and brakes. Inspect your tires for proper pressure. Also check to make sure your lights and directional signals are working properly.

While we’d love to sit in your sidecar to help you ride safely, we have work to do saving great people like you money on their motorcycle insurance. As an independent agent, we have access to some of the top insurance carriers in the country. Contact an agent at Insurance Source of Dallas today!

Auto Insurance Agent Dallas, TX

How to Protect Yourself from Uninsured Motorists

Auto Insurance Agent Dallas, TXUninsured drivers are a huge problem across the United States. Each year billions are paid out in uninsured motorists claims. Even though uninsured motorists have steadily declined over the past decade, some states still have one in four drivers driving without insurance. You can protect yourself with an insurance coverage called uninsured motorist coverage.

Uninsured motorist coverage (often times referred to as UM, UMPD or UMBI coverage) is required in some states, so check with your insurance agent it you already have this coverage. In other states, it is purely optional, but certainly a good idea to carry. If you’re injured or are involved in an accident with an uninsured motorist, this coverage will help protect you, get your vehicle repaired and can even pay your medical bills as well as act as insurance in case of a lawsuit if you’re badly injured.

Uninsured coverage comes in many forms, all meant to protect you in case you’re involved in an accident with an uninsured motorist. When reading these coverages, please keep in mind that the policies and laws vary by state.

Uninsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage

This coverage may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

UM coverage varies by state and according to law so if you’d like to learn more about UM coverage, simply contact your insurance agent to inquire.

If you have questions about your auto insurance, contact Insurance Source of Dallas. Our agents can review your current coverage or provide you a quote for auto insurance coverage.